Jefferson County, OK Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 134 mortgage applications in Jefferson County, OK totaling $8.7 million, up 8% from 2011. The average application was for $65,000, and applicants reported an average income of $64,000. 50% of applications resulted in an originated loan and 25% were denied. The most active lender was First Bank and Trust Co, with 35 applications, followed by Vanderbilt Mortgage and Finance, Inc and Wells Fargo Bank NA.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 134 |
| Total Mortgage Loan Application Amount | $8,718,000 |
| Average Mortgage Loan Application Amount | $65,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $267,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 489,272,000 | 35 | $ 1,442,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 12 | $ 603,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 11 | $ 1,562,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 203,000 |
| American National Bank BOX 5009 ARDMORE, OK 73403 |
* | $ 295,657,000 | 5 | $ 295,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 5,407,792,000 | 4 | $ 344,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 4 | $ 258,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,060,155,000 | 4 | $ 346,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 381,310,000 | 3 | $ 148,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 12,527,568,000 | 3 | $ 55,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 2,647,148,000 | 3 | $ 157,000 |
| Halliburton Employees Federal Credit Union 703 SOUTH 9TH STREET DUNCAN, OK 73533 |
* | $ 106,837,000 | 2 | $ 129,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 306,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 2 | $ 125,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 284,101,000 | 2 | $ 20,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 2 | $ 120,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 2 | $ 113,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 2 | $ 182,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 2 | $ 136,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 231,586,000 | 2 | $ 270,000 |
| Texas Star Bank SSB 101 GASSAWAY LOTT, TX 76656 |
* | $ 75,989,000 | 2 | $ 136,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,621,944,000 | 1 | $ 46,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 104,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 13,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 1 | $ 125,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 93,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 1 | $ 52,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 110,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 90,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 1 | $ 32,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 73,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 12,527,568,000 | 1 | $ 33,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 1 | $ 33,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 1 | $ 35,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 584,153,000 | 1 | $ 94,000 |
| Fidelity Bank 2525 KELL BLVD., SUITE 100 WICHITA FALLS, TX 76308 |
* | $ 248,128,000 | 1 | $ 54,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 829,435,000 | 1 | $ 86,000 |
| Union Square CU 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ 304,425,000 | 1 | $ 150,000 |
| Liberty National Bank 629 SW C AVE LAWTON, OK 73501 |
* | $ 215,519,000 | 1 | $ 100,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,912,333,000 | 1 | $ 33,000 |
| Legacy Bank 101 W MAIN HINTON, OK 73047 |
* | $ 451,973,000 | 1 | $ 8,000 |
| Spiritbank 1800 S BALTIMORE AVE STE 600 TULSA, OK 74119 |
* | $ 1,250,584,000 | 1 | $ 73,000 |
The tables below break down 2012 mortgage applications in Jefferson County, OK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Jefferson County, OK in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 63 | $3,533,000 | $56,000 | $275,000 | $60,000 | $264,000 |
| Refinancing | 53 | $4,480,000 | $84,000 | $400,000 | $68,000 | $267,000 |
| Home Improvement | 18 | $705,000 | $39,000 | $125,000 | $69,000 | $165,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 119 | $7,822,000 | $65,000 | $400,000 | $64,000 | $267,000 |
| Not Provided | 6 | $381,000 | $63,000 | $125,000 | $59,000 | $78,000 |
| American Indian or Alaskan Native | 6 | $370,000 | $61,000 | $100,000 | $97,000 | $120,000 |
| Not applicable | 2 | $136,000 | $68,000 | $92,000 | $0 | $0 |
| Hispanic | 1 | $9,000 | $9,000 | $9,000 | $53,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 112 | $7,058,000 | $63,000 | $400,000 | $68,000 | $267,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,029,000 | $85,000 | $191,000 | $53,000 | $90,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $598,000 | $66,000 | $92,000 | $34,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 1 | $33,000 | $33,000 | $33,000 | $28,000 | $28,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 67 | $4,082,000 | $60,000 | $218,000 | $65,000 | $267,000 |
| Application Denied By Financial Institution | 33 | $2,347,000 | $71,000 | $400,000 | $68,000 | $240,000 |
| Application Approved But Not Accepted | 12 | $742,000 | $61,000 | $159,000 | $56,000 | $98,000 |
| Loan Purchased By The Institution | 12 | $1,144,000 | $95,000 | $215,000 | $50,000 | $95,000 |
| Application Withdrawn By Applicant | 7 | $230,000 | $32,000 | $50,000 | $57,000 | $118,000 |
| File Closed For Incompleteness | 3 | $173,000 | $57,000 | $60,000 | $102,000 | $117,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 11 | $415,000 | $37,000 | $100,000 | $50,000 | $102,000 |
| Collateral | 4 | $644,000 | $161,000 | $400,000 | $80,000 | $174,000 |
| Other | 2 | $45,000 | $22,000 | $35,000 | $46,000 | $60,000 |
| Credit Application Incomplete | 1 | $112,000 | $112,000 | $112,000 | $120,000 | $120,000 |
| Debt-To-Income Ratio | 1 | $34,000 | $34,000 | $34,000 | $41,000 | $41,000 |
| Employment History | 1 | $275,000 | $275,000 | $275,000 | $147,000 | $147,000 |
| Mortgage Insurance Denied | 1 | $49,000 | $49,000 | $49,000 | $23,000 | $23,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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